Question 2: What is the processing flow of ICBC's credit card? I. Credit Card Types of Industrial and Commercial Bank of China
The bank card issued by China Industrial and Commercial Bank is called Peony Card, which can be divided into credit card, quasi-credit card and debit card.
Credit cards are divided into: Peony International Credit Card and Peony Credit Card; Quasi-credit card is peony credit card;
Debit cards are divided into: Peony International Debit Card, Peony Link Card, Peony Special Card, Peony Commemorative Card and Peony Smart Card.
2. What are the functions of the credit card?
Credit card: In banks in China, peony credit card deposits do not bear interest, and the longest interest-free repayment period is 56 days. You can spend first and then repay. In China, it is called a credit card. In essence, it is a small credit loan issued by banks to customers within a certain period of time, which has many functions such as credit consumption, cash withdrawal, transfer settlement and so on.
Credit card: Peony credit card is between credit card and debit card, and has the main characteristics of both parties. When the deposit in the card is insufficient to pay, you can overdraw within the credit line. The annual fee for credit cards is relatively low. At present, Peony Credit Card can be used in Chinese mainland except * * *. In addition, Peony Credit Card can also be used to withdraw money and spend money at ATMs and POS machines with the logo of "UnionPay" in Hong Kong, Macao Special Administrative Region, South Korea, Thailand, Singapore and other countries/regions.
International credit card: safe and convenient. You can avoid the trouble of carrying a lot of cash when you go out, even if the card is stolen or lost, it will not cause financial losses; When traveling abroad, you can also use RMB to purchase foreign exchange and repay it at home. A moderately flexible credit line can provide you with a rainy day. You can spend first and then repay, which will ensure that you will not be embarrassed by insufficient cash when paying the bill. Linksys is a debit card, which cannot be overdrawn and can only be operated online.
3. How to handle the Peony Credit Card?
Please fill in the application form in detail after receiving the peony card application form at any business outlet of China Industrial and Commercial Bank. Any natural person who has reached the age of 18, has full capacity for civil conduct, works in the place where the card issuing agency is located, has a stable job and the annual income is above the local average level, and provides your personal supporting materials, you can apply for the Peony Card without guarantee. After ICBC has reviewed your credit, you can successfully apply for a Peony Card.
If you apply for a Peony Debit Card at an outlet, please fill in the application form in detail and provide a copy of your ID card. You can get the Peony Debit Card directly here.
Fourth, what problems should be paid attention to in use?
A, please read the relevant Peony Card Articles of Association, Peony Card Purchase Contract and Card Usage Guide carefully. If you have any questions, you should ask the bank clearly in case your rights and interests are damaged.
B.you also need an activation card. Otherwise, the card cannot be used.
C, be careful not to put the peony card with magnetic objects, or scratch the magnetic stripe with sharp objects, so as not to damage the magnetic stripe and affect its use, and don't bend the peony card or put it in a hot and humid place, so as not to cause the card surface deformation and magnetic stripe failure.
D, please keep and carry your peony card, password and ID card separately, so as to avoid losing them at the same time and causing your card to be fraudulently used by others.
E. If you overdraw, please pay attention to repayment on time, and you need to pay interest from the date of overdraft. Exceeding the time limit stipulated by the bank will affect your credit record in the banking system, and the card issuer has the right to stop using the card.
Question 3: How to apply for an ICBC credit card? ICBC credit card is a kind of credit card. Anyone who has reached the age of 18, has full capacity for civil conduct and has a good credit record can apply. If you handle it at the front desk, you need to fill out the application form. When submitting the application form, you need to provide the original and photocopy of the applicant's ID card (printed on the front). At the same time, it is recommended to provide the following information: income certificate, personal income tax payment certificate, work certificate, self-owned real estate license, self-owned vehicle driving license and other originals and copies to prove that you have sufficient repayment ability. You can also apply in ICBC official website, fill in the application form according to the prompts and provide relevant certificates.
Question 4: How to apply for ICBC credit card? I just applied for my ID card, a copy of my ID card, work certificate and income certificate. If I have a time deposit, I'd better get a copy and more certificates to prove my wealth, and the amount will naturally increase.
Question 5: How to open an ICBC credit card? I brought a copy of my ID card and a copy of my work permit. If I don't have a work permit, I need a work certificate from my company. If you want to issue a certificate of income, you can write it on a piece of paper and affix the official seal of the company. You can fill in the form at any ICBC. However, it takes a long time to apply for an ICBC credit card and you need to wait patiently.
Question 6: How to use the ICBC credit card? I'm not sure if the credit card can be divided into stages, but it should be divided into stages by credit card.
65438+ 10,000 installments and 24 installments, that is, monthly repayment 10000/24 yuan.
As for the monthly average rate of 0.65%, I estimate it is the handling fee.
He said that the one-time deduction of handling fees means that from the first repayment, 24 handling fees should be charged at one time.
Some banks spread the handling fee over 24 periods.
After getting the card, you can buy it. After you buy it, just call customer service and ask for installment payment. As for sending it to Iceland, it seems to be abroad. I wonder if there is such a business. I called the customer service to ask.
However, it is not clear whether the new credit card can be used in stages.
Question 7: How does ICBC handle credit cards such as Peony Credit Card? Hello, the application conditions of peony credit card and credit card personal card are: a person with full civil capacity; Individuals whose work units are located in card issuers and have stable income can apply for peony cards at any business outlets of the local Industrial and Commercial Bank of China. Applicants can apply for no more than 2 supplementary cards for their spouses or relatives with full capacity for civil conduct.
You can get the application form at the nearest outlet, fill it out completely, attach relevant information according to the requirements on the application form and submit it to the local business outlet or card issuer.
The supporting materials to be provided are:
1. Copy of the applicant's ID card of the main card and the auxiliary card (required). Identity documents refer to one of resident identity cards, military officers' cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.
2. Work certification documents, such as a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional qualification certificate and a copy of the professional title.
3. If you provide a copy of ICBC's "wealth management fund" account or a copy of graduation certificate and degree certificate with a master's degree or above, it will speed up your card application. Applicants who work in companies (enterprises) generally need to provide their own real estate certification documents (copies of their own real estate licenses, public housing lease agreements or public housing purchase agreements, housing loan contracts and other materials).
4. In order to process your application as soon as possible and obtain an accurate credit limit, please provide the following financial documents, such as payroll records issued by the bank, income certificates issued by the unit, income tax and withholding certificates, your own car driver's license, our time deposit certificate and other materials.
The credit limit of Peony Credit Card is 5000 yuan, and that of Gold Card is 10000 yuan. The credit limit of Peony Credit Card should be comprehensively evaluated by the credit audit department according to your specific situation. :)
Question 8: How to apply for increasing the credit limit of ICBC's credit card? If you have ICBC e-link, you can apply for increasing the credit limit yourself. If not, you can call 95588 to apply for increasing the credit limit.
Question 9: How about ICBC's credit card? A credit card that can handle installment payment business is a credit card. You must be 18 years old to apply for a credit card, and all banks can do it. The required materials include:
1. Credit card application form (provided in the bank window)
2. Original and photocopy of ID card (you can take the original to the bank to help you copy it).
3. Work certificate and income certificate (sealed by the company)
4. Non-local household registration also requires proof of residence.
5. Individuals should also provide the following materials: a verified business license or tax registration certificate, which proves that they have been operating for more than two years; Business premises contract or ownership certificate (i.e. real estate license),
If you have done business in a bank before, you'd better provide it. Other materials that can prove your strength.
You can also call the 24-hour service hotline of the credit card bank you want to open.
The general withdrawal amount is half of the total amount.
The total amount of approvals for high-income and stable jobs is higher.
You can apply for installment payment after credit card consumption and before repayment date. Once overdue, you can't apply for installment payment.